# Pluto Budgeting vs Basis Budget

The clearest difference is ratings volume: Basis Budget at 6 against Pluto Budgeting's 1. Pluto Budgeting's advantage is iOS requirement (16.4 vs 18.0). On price, rating, update cadence and ads there is nothing between them.

Both are free to download. Pluto Budgeting sells 2 in-app purchases, starting at $9.99 per month and Basis Budget sells 1 in-app purchase, starting at $4.99 per month. Whichever you choose, the download price is not the number that matters.

On the App Store both sit at effectively the same score — 5.0 for Pluto Budgeting against 5.0 for Basis Budget. That said, the two scores are not equally well evidenced: Basis Budget has 6 ratings behind it against 1, so its average is the more settled of the two.

Pluto Budgeting ships an update weekly, Basis Budget every 4 days. The most recent releases landed on November 5, 2026 and October 31, 2026 respectively.

## The numbers

| Metric | Pluto Budgeting | Basis Budget |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [5.0 (1 ratings)](https://appshunter.io/ios/app/pluto-budgeting/id6754609330/reviews) | [5.0 (6 ratings)](https://appshunter.io/ios/app/basis-budget-money-tracker/id6760737520/reviews) |
| Number of ratings | 1 | **6** |
| Positive reviews | — | 100.0% of reviews |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Weekly | **Every 4 days** |
| Monetization | Freemium | Free with in-app purchases |
| Size | 66 MB | 13 MB |
| Requires iOS | **16.4** | 18.0 |
| Devices | iPhone | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Pluto Budgeting LLC](https://appshunter.io/developer/1849199127) | [JK Creative Studios LLC](https://appshunter.io/developer/1823042617) |

## What reviewers say

### Pluto Budgeting

[App page](https://appshunter.io/ios/app/pluto-budgeting/id6754609330)

This app helps you manage your finances by focusing on your paychecks and upcoming bills. It calculates how much you can safely spend and automatically sets aside money for future expenses, preventing surprises.

**Highlights:** Safe to Spend calculation, Paycheck-based budgeting, Scheduled Savings for future bills, Smart transaction matching, Pay Period Forecast, Automatic bank sync (Premium)

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Pluto Premium | $9.99 | per month |
| Pluto Premium (Annual) | $99.00 | per year |


### Basis Budget

[App page](https://appshunter.io/ios/app/basis-budget-money-tracker/id6760737520)

Manage your finances with two distinct budgeting methods and track your net worth. Prioritizes user privacy with on-device encryption and no data selling or ads. Offers manual tracking for free, with optional bank syncing for automation.

**Highlights:** Two budgeting modes: Zero-based and Spending Limits, On-device encryption for enhanced privacy, Net worth tracking across various account types, Manual transaction entry and account tracking, Optional bank syncing via Plaid, Customizable categories and savings goals

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Basis Budget | $4.99 | per month |


## Frequently asked questions

### Is Pluto Budgeting free?

Pluto Budgeting is free to download, with in-app purchases available.

### Is Basis Budget free?

Basis Budget is free to download, with in-app purchases available.

### Which has better reviews, Pluto Budgeting or Basis Budget?

Pluto Budgeting and Basis Budget are both rated 5.0 out of 5 on the App Store, from 1 and 6 ratings respectively.

### Do Pluto Budgeting or Basis Budget have ads?

Neither Pluto Budgeting nor Basis Budget shows ads.

### Which is updated more often, Pluto Budgeting or Basis Budget?

Pluto Budgeting ships an update weekly, and Basis Budget every 4 days. Most recently, Pluto Budgeting was updated on November 5, 2026 and Basis Budget on October 31, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*